Credit or pre paid card when you travel abroad? - HireIQ

Credit or pre paid card when you travel abroad?

If you’re planning on traveling abroad, you may be wondering whether to use your credit card or get a prepaid card for your expenses. Both options have their pros and cons, and the decision ultimately depends on your personal preference and financial situation.

Using a Credit Card


  1. Convenience: Credit cards are widely accepted around the world, making them a convenient payment option.
  2. Rewards: Many credit cards offer rewards such as cashback, miles, or points, which can add up to significant savings over time.
  3. Purchase Protection: Credit cards offer purchase protection against fraud and faulty goods, providing you with peace of mind while traveling.


  1. Fees: Credit cards may incur fees such as foreign transaction fees, currency conversion fees, and ATM withdrawal fees, which can add up quickly.
  2. Overspending: With credit cards, it can be easy to overspend, as you may be tempted to spend more than you can afford.
  3. Interest: If you do not pay off your credit card balance in full each month, you will be charged interest, which can be costly.

Using a Prepaid Card


  1. Control: Prepaid cards allow you to control your spending, as you can only spend what is loaded onto the card.
  2. Security: Prepaid cards offer added security, as they are not linked to your bank account or credit score.
  3. No Credit Check: Prepaid cards do not require a credit check, making them accessible to those with poor credit.


  1. Fees: Prepaid cards may incur fees such as activation fees, monthly fees, and transaction fees, which can be expensive.
  2. Limited Acceptance: Prepaid cards may not be accepted everywhere, particularly in remote or less developed areas.
  3. No Rewards: Prepaid cards do not offer rewards or cashback, meaning you will not earn anything back for your spending.


When deciding between a credit card or a prepaid card for traveling abroad, it is important to weigh the pros and cons of each option. Credit cards offer convenience and rewards but may come with fees and interest charges. Prepaid cards offer control and security but may come with fees and limited acceptance. Ultimately, the decision depends on your personal preferences and financial situation. Regardless of which option you choose, it is important to plan ahead, budget effectively, and take steps to keep your financial information secure while traveling abroad.

Need help?

Call anytime

02890 022345

Email us

Don't see a job for you?

Don't see your dream job posted? No problem, just reach out.

Let us know